| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOR FIRST LLC3 Filed as: LABOR - FIRST LLC | — | HUMANA INSURANCE COMPANY | $318K | — | $318K | 9.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROADREACH MEDICAL RESOURCES EIN 02-0640082 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $5.8M |
| HUMANA EIN 61-0647538 NONE | Insurance services Service code 23 | — | $3.3M |
| STANDARD LIFE EIN 36-0883760 NONE | Insurance services Service code 23 | — | $2.3M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Claims processing; Non-monetary compensation Service code 12 | — | $2.0M |
| PALADINA EIN 45-3449075 NONE | Insurance services Service code 23 | — | $1.2M |
| PAYER MATRIX EIN 81-3946362 NONE | Other services Service code 49 | — | $1.1M |
| HMC HEALTHWORKS INC. EIN 75-3189468 NONE | Other services Service code 49 | — | $385K |
| JAMES B. OSWALD COMPANY EIN 34-0445620 NONE | Other services Service code 49 | — | $264K |
| LIVONGO EIN 26-3542036 NONE | Other services Service code 49 | — | $182K |
| DELTA DENTAL PLAN OF OHIO EIN 31-0685339 NONE | Claims processing Service code 12 | — | $128K |
| ABBY PECORARO EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $101K |
| TELEDOC EIN 04-3705970 NONE | Other services Service code 49 | — | $100K |
| ANDREA SMITH EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $92K |
| LITTLER MENDELSON EIN 94-2602731 NONE | Legal Service code 29 | — | $91K |
| FAULKNER, HOFFMAN & PHILLIPS EIN 45-1540483 NONE | Legal Service code 29 | — | $86K |
| MICHAEL KREIS EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $85K |
| LAMAR FLOYD EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $84K |
| RSM US LLP EIN 42-0714325 NONE | Accounting (including auditing) Service code 10 | — | $77K |
| JERALYNN SCHNELL EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $70K |
| GALLAGHER FIDUCIARY ADVISORS EIN 26-0516431 NONE | Investment advisory (plan) Service code 27 | — | $61K |
| LINDA JOHNS EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $60K |
| WESTERN ASSET EIN 04-3404987 NONE | Investment management Service code 28 | — | $54K |
| KEITHA NUNN EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $43K |
| ANGELA KANZIG EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $42K |
| LAUREN FROST EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $39K |
| SHERI SARICH EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $38K |
| LEANN LAROCCO EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $36K |
| JANINE VEVE EIN 34-0753693 EMPLOYEE | Employee (plan) Service code 30 | — | $35K |
| LSV ASSET MANAGEMENT EIN 23-2772200 NONE | Investment management Service code 28 | — | $31K |
| NATIONAL VISION ADMIN EIN 74-3033381 NONE | Claims processing Service code 12 | — | $29K |
| QWESTCOM EIN 34-1959482 NONE | Direct payment from the plan; Other services Service code 49 | — | $24K |
| BNY MELLON ASSET SERVICING EIN 13-5160382 NONE | Custodial (securities) Service code 19 | — | $22K |
| TODD ASSOCIATES EIN 34-0727780 NONE | Insurance agents and brokers Service code 22 | — | $21K |
| BLACKROCK INSTUTIONAL TRUST EIN 94-3112180 NONE | Investment management Service code 28 | — | $18K |
| MORELAND CONNECT EIN 47-1044572 NONE | Other services Service code 49 | — | $14K |
| FINDLEY DAVIES EIN 34-1213174 NONE | Other services Service code 49 | — | $10K |
| CINCINNATI INSURANCE EIN 31-0542366 NONE | Insurance services Service code 23 | — | $9K |
| ACUITY EIN 39-0491540 NONE | Insurance agents and brokers Service code 22 | — | $8K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,687 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 2,359 | $3.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 3,820 | $141K |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,820 | $2.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 30 | $9K |
| Prescription drug | HUMANA INSURANCE COMPANY | 2,359 | $3.3M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,780 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,820 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.